Coverage Features
Computer Equipment, Data and Media
Include up to Business Personal Property limit, subject to a maximum of $50,000*.
Fewer exclusions (artificially electricity, breakdown, and power
failure are covered).
Off premises (including transit, backup data off premises, and newly acquired equipment is covered for up to $25,000.
Electronic Vandalism up to $25,000.
Interruption of Computer Operations is covered for up to $25,000*.
Customers Goods Endorsement available as an option
Equipment Breakdown
Coverage for equipment breakdown is included within applicable limits.
Expenses are covered for up to $25,000.
Pollutant cleanup costs are covered for up to $25,000.
Interruption of water, communication, or power supply services is covered (when Business Income and Extra Expense is covered).
Diagnostic and power generating equipment is covered for equipment breakdown for up to $100,000*.
Business Income and Extra Expense
Included on an Actual Loss Sustained basis for 12 consecutive months.
Option on an Actual Loss Sustained basis for 12 consecutive months up to 50 percent of annual sales.
Up to 60 days Extended Business Income.
Loss from Dependent Properties is covered up to $10,000*.
Newly Acquired premises up to $25,000.
Includes loss by Civil Authority.
Business Core Coverage Highlights
Property Coverage
Covers your Building and Business Personal Property for replacement cost with no coinsurance.
Accounts Receivable covered up to $25,000*.
Fine Arts
Up to $25,000
Coverage applies anywhere in the coverage history.
The "breakup" limitation does not apply.
Limited exclusions.
Special valuation terms.
Business Personal Property Off Premises
Included within Business Personal Property limits.
Coverage applies to property in transit and while temporarily away from premises.
Money and Securities are covered within Business Personal Property. Theft of Money and Securities limited to $25,000*.
Employee Dishonesty is covered for up to $25,000*.
Forgery or Alteration is covered for up to $25,000*.
Money Orders and Counterfeit Paper Currency are covered within Business Personal Property.
Theft Damage to Tented Property is covered within Business Personal Property.
General Liability
This covers you against claims resulting from your business operations due to bodily injury or property damage to others. Automatically includes:
Advertising Injury and Person Injury.
Medical Payments for $5,000 per person.
Damage to Premises Rented to You for up to $300,000*.
Blanket contractual for oral or written contracts.
Limited worldwide Coverage.
Host liquor legal liability.
Errors and Omissions coverage included fro Barber Shops,
Beauty Parlors, Nail Salons, and Funeral Directors.
Coverage for Web site injury liability (some restrictions apply).
*Higher limits are available. |